Many people overpay for auto insurance. Here are a few ways to get a cheap rate.

Get quotes regularly. Your rates should go down over time as your car or truck depreciates and your driving record improves. If not, negotiate a lower rate, or get quotes from other companies.

Compare quotes accurately. Rates can vary greatly depending on the level of coverage offered. When comparing rates, make sure that the insurance offered is equivalent. Keep in mind that state minimum insurance may not protect you completely.

Discuss your options. Talk with an agent to determine if collision, comprehensive, or personal injury protection are a good value. Individual insurance needs vary greatly.